Blazing New Trails with FICO and IFM FICO® Insurance Fraud Manager User Group: San Diego, CA | May 7--8, 2014 Blazing New Trails with FICO and IFM TJ Horan VP Applications, Fraud Solutions FICO © 2013 Fair Isaac Corporation. Confidential.

FICO Snapshot Profile Products and Services Clients and Markets The leader in predictive analytics for decision management Founded: 1956 NYSE: FICO Revenues: $743 million (fiscal 2013) Products and Services Scores and related analytic models Analytic applications for risk management, fraud, marketing, mobility Tools for decision management Clients and Markets 9,000+ clients in 80 countries Industry focus: Banking, insurance, retail, health care Recent Rankings #1 in services operations analytics (IDC) #6 in worldwide analytics software (IDC) #7 in Business Intelligence, CPM and Analytic Applications (Gartner) #26 in the FinTech 100 (American Banker) Offices 20+ offices worldwide, HQ in San Jose, California, USA 2,400 employees Regional Hubs: San Rafael (CA); San Diego (CA); New York; Roseville (MN); London; Birmingham (UK); Istanbul; Madrid; Munich; Sao Paulo; Bangalore; Beijing; and Singapore. Here’s a snapshot of our company. Page 2

We Work with the Most Successful Businesses Industry Clients Include Client Sample Banking More than half of the top 100 banks Insurance Two-thirds of the top US P&C insurers Retail/ Consumer Goods One-third of the top US retailers Health Care/ Pharma 7 of the top 10 pharma companies Government 100+ government agencies Industry Clients Include Client Sample Banking More than half of the top 100 banks Insurance Two-thirds of the top US P&C insurers Retail/ Consumer Goods One-third of the top US retailers Health Care/ Pharma 7 of the top 10 pharma companies Government 100+ government agencies

More Profitable Decisions Across the Lifecycle Decision Area Challenge Sample Client Results Marketing Make the right offer at the right time to build profitability 50% increase in offer responses Originations/ Underwriting Book more customers without increasing risk 15% increase in customers booked while keeping risk exposure constant Customer Management Increase customer and portfolio profitability 30% increase in profit per account 25% decrease in bad debt Collections Collect more without additional resources 30% increase in collector productivity Fraud Stop fraud faster while reducing “false positives” 50% decrease in fraud losses without impacting customer experience Here are some of the ways we enable our clients to improve results. Page 4

Insurance Fraud Manager a Year in Review ICD-10 Operational Robustness Performance Time To Value Lower TCO ICD-10 – Starting from our v3.3.1 introduction last July, IFM has supported ICD- 10. Even though ICD-10 continues to be delayed, our customers will be ready to implement ICD-10 whenever the government mandates its support. Operational Robustness – Our customers asked us to help provide support for IFM in claim volumes that were 10 times larger than ever before. IFM responded by redesigning every single scoring engine type; claim scoring, provider scoring, rollup scoring, intermediate analysis, and our totality statistics. Nothing escaped our architectural modifications. Performance - Since the claim volumes were increasing rapidly, our scoring performance had to increase dramatically, so that customers didn’t have to wait for weeks or even months for results. So we scoring performance was revamped resulting in performance increases of 5 to 10 times previous IFM versions. Time to Value – As part of our operational redesign, IFM put together new wizards, which helped our on-premise customers, and our internal IT team bring up a new IFM installation. Today, we have stood up a complete IFM installation in our internal IT departments within two days. Lower TCO – We introduced Linux to the scoring server options, providing customers a lower cost option to Solaris servers. 5 © 2014 Fair Isaac Corporation. Confidential.

Integrate with FICO Assets Future New Features Ease of Use Lower TCO Design Flexibility Integrate with FICO Assets Ease of Use - New UI has better workflow, All scoring results in a single location, all provider information in a single location, multiple search capability located throughout the application, better systemic pattern report, more logical organization for the administrators New Features – Dashboard reports in the home page, upcoding analytic, facility claim review, facility analytics for in-patient and out-patient. You can now add multiple providers to s single investigation case, making it efficient to track all suspect providers together. Lower TCO – Continued transition to open source options such as Tomcat, Open LDAP and Linux. Flexibility - Transition to the new UI provides more flexibility to accommodate changes easier and faster. We continue to add the flexibility for clients to customize their drop-down lists through out the application. With the new 4.0 UI, labels or column headers can be customized for each client. Integrate with Other FICO Assets – Our clients have been requested integration with other FICO assets such as our popular Rules engine, Blaze. This conference we’ll talk how that has and can be done. 6 © 2014 Fair Isaac Corporation. Confidential.

International More interest than ever by overseas clients We’ve completed POCs and/or deployments in: Brazil Netherlands South Africa IFM 4.0 designed from scratch to easily support multiple languages, even within the same tenant. New design allows flexibility for column header labels and UI widgets to be tailored to each customer Page 7

Integration with FICO Assets FICO Blaze Advisor Rules Management System Filter claims prior to IFM Business owners create their own rules without IT help Feed IFM findings back into front end rules engine FICO Customer Communication Services More efficiently verify fraud with your members Open up new markets or services with existing clients Improve operational efficiencies FICO Analytic Cloud Leverage IFM assets for reporting and capabilities in new FICO Cloud Page 8

FICO® Analytic Cloud What Is It? A Portal For Clients and Partners to: Procure, provision, and use FICO applications Extend the apps, or build your own with the Decision Management Platform (DMP) Browse the Marketplace (for features, add-ons, or whole solutions) Monetize your investment through the Marketplace by offering your solutions to others Collaborate with peers through the FICO Analytic Cloud Community

Thank You TJ Horan (858) 369-8118 tjhoran@fico.com FICO® Insurance Fraud Manager User Group: San Diego, CA | May 7--8, 2014 Thank You TJ Horan (858) 369-8118 tjhoran@fico.com © 2013 Fair Isaac Corporation. Confidential.